About Foresters Financial

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Our rich history of helping families

Foresters FinancialTM is an international financial services provider with a unique history that began in 1874 when we set out to provide access to life
insurance for average working families. More than 140 years later, we provide investment, life insurance, retirement and savings solutions that help
families achieve their long-term financial goals.

Throughout our history, we have been at the forefront of several milestones in the North American life insurance landscape, often pioneering trends that
would later become commonplace. One of our first leaders, Dr. Oronhyatekha, was one of Canada’s first Native doctors to include western medicine in his
practice. A man ahead of his time, Dr. Oronhyatekha championed the rights of women, children and minorities. He also insisted on admitting women as full
members of the organization and providing benefits to the orphans of Foresters members.

Today, more than three million customers and members in the United States, Canada and the United Kingdom benefit from the foundation of experience,
expertise and reliability we have built over two centuries. During this time, we have remained steadfast in our commitment to help improve family
well-being and, each year, we invest millions to support causes that enrich the lives of families and communities.

What this means for you

When you trust Foresters FinancialTM with your life insurance, savings,
retirement or investment needs, you’re not only accessing our
expertise; you’re joining an organization with a 140-year history of
giving back to families and communities.

We are proud of the long-term relationships we have formed with our
customers and members, nurtured over the years through extraordinary
service and solid investment results. And we’re equally proud of the
many ways we give back to families in the United States, Canada and the
United Kingdom. Whether we’re building playgrounds in underserviced
neighborhoods, preparing emergency kits for victims of natural disasters
or cleaning up beaches, we go where families need us.

And for our more than one million fraternal members, we provide
valuable member benefits and opportunities to enjoy quality family time
or give back through volunteering efforts that directly benefit local
communities.

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Our code of ethics

At Foresters Financial, we take our obligation to conduct business in a highly professional and ethical manner very seriously. We live by our Code of ethics2 in everything we do and this enables us to protect our customers from increased costs associated with fraudulent activities. Conducting ourselves in a manner that builds trust in our organization is a top priority for us. Our Code of ethics:

defines the parameters and principles of ethical conduct and behavior expected of all Foresters Financial directors, officers, employees, distributors and other representatives.

increases awareness and understanding of the ethical principles under which we do business and conduct our volunteer activities.

1 Description of member benefits that you may receive assumes you are a Foresters member. In the United States members may currently only be anyone insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters. If you are not an insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters, or are not a social fraternal member, then you are not a member. Foresters member benefits are non-contractual, subject to benefit specific Eligibility requirements, Definitions and limitations and may be changed or cancelled without notice.

2 This code of ethics applies to all directors, officers, employees, representatives, contract employees, independent contractors, and suppliers of Foresters, its subsidiaries and affiliates worldwide ("Foresters") other than those companies that have adopted a code of ethics or business conduct, which complies with local laws and regulations and has standards consistent with the spirit of this Code of ethics.

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The products and services described in this website are for U.S. residents only.

The information contained herein is not intended as a recommendation of a specific security or investment strategy. Rather, it is intended to be general and informational in nature. Speak with your Representative to discuss your specific situation and financial goals.

Foresters Financial is an international financial services provider with more than three million clients and members throughout Canada, the United States and the United Kingdom. Foresters Financial Members are currently only those insured under a life insurance certificate issued by The Independent Order of Foresters. Foresters Financial member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice.

FORESTERS FINANCIAL and FORESTERS are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Rd, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Financial Holding Company, Inc. (FFHC). Foresters Financial Services, Inc. is a registered broker-dealer and subsidiary of FFHC. Securities, life insurance and annuity products are offered through Foresters Financial Services, Inc. Insurance products are issued by Foresters Life Insurance and Annuity Company, New York, or The Independent Order of Foresters.